ARTICLES

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Monthly Investment Commentary

Equities Rally Post-Election After Slight October Dip

Global stocks (MSCI ACWI) declined slightly in October, falling 2.24%. Within the US, large cap…
picture of the U.S. federal reserve building
Bob Peelman

Federal Reserve Rate Cutting Cycle

After an historic rate hike cycle that was the fastest on record and largest in…
Doctor inspecting piggy bank with stethoscope
Doctors

Financial Planning for Physicians

You probably already know that physicians are among the highest-paid professionals in the US. However,…
Young Chinese woman doctor in white coat with holding up a calculator and smiling
David Mandell

The Beginner’s Guide to Tax Planning for Doctors

When you’re a high-income earner with lots of expenses, like a doctor, tax season is…
picture of the U.S. federal reserve building
Bob Peelman

Federal Reserve Rate Cutting Cycle

After an historic rate hike cycle that was the fastest on record and largest in…
image depicting global stock markets
Monthly Investment Commentary

Equities Rally Post-Election After Slight October Dip

Global stocks (MSCI ACWI) declined slightly in October, falling 2.24%. Within the US, large cap…
image showing money and clock
Andrew Taylor

Start Early to Leverage the Power of Compound Interest

Saving money at an early age is perhaps the simplest and one of the most…
physician adding money into a piggy bank (represents HSA)
Doctor Benefits

The Pros and Cons of HSAs for Physicians

You’ve probably heard about them in your employee benefit package. Your patients may ask if…
Doctor inspecting piggy bank with stethoscope
Doctors

Financial Planning for Physicians

You probably already know that physicians are among the highest-paid professionals in the US. However,…
image of someone looking into a financial crystal ball
David Mandell

Have High-Interest Rates Accurately Predicted a Market Correction or Recession?

Many investors have recently been asking their advisors, “Is a recession coming?” This question is…
Young Chinese woman doctor in white coat with holding up a calculator and smiling
David Mandell

The Beginner’s Guide to Tax Planning for Doctors

When you’re a high-income earner with lots of expenses, like a doctor, tax season is…
financial advisor reviewing options
Adam Braunscheidel

Tax-Loss Harvesting

As we approach year end, many investors inquire about ways to reduce their tax obligations…
yield curve recession
Monthly Investment Commentary

Is a Recession on the Horizon?

The following is an update to an article we authored in October 2019, just a…
graduates throwing caps in the air
Bob Peelman

Saving for the High Cost of College

Most Americans would agree that money spent on higher education is incredibly important, as assets…
David Mandell

Six Tools to Help You Achieve Your Retirement Goals

It is not surprising that achieving a financially secure retirement is a leading financial goal…
person working on their long-term care planning
David Mandell

Long-Term Care Planning

WHAT YOU NEED TO KNOW ABOUT THE RISKS & ROLE OF INSURANCE Concerns about long-term…
David Mandell

Inflation and Your Investments

Inflation is a popular topic in the financial media this spring. This short article is…
financial planning for young families
Money Milestones

Money Milestones: Starting a Family

Major life events often trigger important questions about money and can significantly impact long-term financial…
pandemic-covid-19 data image
David Mandell

Financial Lessons Learned from the Pandemic

Now that we have reached Summer 2021, when over 150 million Americans have been vaccinated,…
doctor writing prescription for financial wellness - financial guide for physicians and doctors
David Mandell

Achieving Financial Wellness: A Guide for Physicians

The term “wellness” has become increasingly popular in the general public at large, and within…
traditional or roth ira
Bob Peelman

Bear Market Offers Opportunity for Roth IRA Conversions

In May 2022, after several months of volatility across all financial markets, the S&P 500…
cash image
Andrew Taylor

Are You Getting Adequately Paid for Your Cash?

Let’s start by getting to the point. You should call your bank and find out…
person assessing risk tolerance during market volatility with prospect theory
David Mandell

Assessing Your Investment Risk Tolerance with Prospect Theory

Investors, including physicians, certainly understand that any type of investing involves risk – as does…
Roll of cash (USD) with a chain and combination lock around it.
Doctors

Asset Protection for Physicians: Your Information Hub

From HIPAA liability to malpractice claims, physicians have unique challenges to juggle. Added to factors…
Physician reviewing employment benefits for doctors
David Mandell

The Starter Guide to Doctor Benefits: 401(k)s and Much More

Competitive benefits are necessary to attract top talent, and employers in the medical field understand…
financial advisor team
Jason O'Dell

How to Choose an Investment Advisor? Three Mistakes to Avoid

Over the last few years, many investors have re-examined not only their investment assumptions, but…
financial team reviewing long-term retirement plan
David Mandell

Why Your Long-Term Financial Plan Must Be Flexible

The Greek philosopher Heraclitus is quoted as saying “the only constant in life is change.”…
confident, young doctor in a white coat reviewing life insurance plans
David Mandell

Everything Physicians Need to Know About Life Insurance

Your career as a physician is full of major milestones that show you’re growing wiser,…
Doctor in a white coat putting a coin in a piggybank
David Mandell

The Beginner’s Guide to Investing for Doctors

You know the difference between “diverticulitis” and “diverticulosis.” You can react instantly and calmly when…
person looking at investment charts and financials
Andrew Taylor

Direct Indexing

If you are an investor who follows the financial media, amid the stories of gloom…
physician computer stethoscope, and iPad showing investments
Doctors

Investing as a Doctor: 5 Tips for Beginners

As a doctor, you dedicate your life to caring for others and positively impacting their…
nice midwest home
Bob Peelman

Should I Buy a Home or Rent?

The question of whether to purchase or rent a home is a hot topic within…
David Mandell

Three Strategies to Implement for a Retirement-Ready Future

An effective retirement plan cannot simply be established at the start of one’s career and…
retirement graphic
David Mandell

Four Common Pitfalls in a Qualified Retirement Plan

OJM Group has reviewed many qualified retirement plans (QRPs) for businesses and professional practices, including…
Attorney and Wealth Advisor determining between s and c corporations
Articles

S or C Corporations?

When choosing a structure for any business, including a medical practice, you are really making…
illustration of house wrapped with padlock
David Mandell

How to Protect Your Home and Home Equity From Liability

The family home (and its equity) is often one of the most valuable assets you…
attorney putting estate planning documents in briefcase
David Mandell

Estate Planning Essentials for All Ages

Estate planning is an important aspect of wealth management that should be addressed early in…
Image showing piggy bank and books for what you need to know if you inherit an ira
David Mandell

What You Need To Know if You May Inherit an IRA

As baby boomers age into their 70’s and 80’s, it is estimated that over $84…
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Andrew Taylor

Bonds vs Cash

“Why should I be investing in bonds when I can earn more than 5% on…
us capitol building
Carole Foos

What You Should Know About the Biden Tax Proposals

With the Democrats controlling both houses of Congress, there is a likelihood that President Biden's…
scenic beach side home for physician during retirement
Bob Peelman

Retiring Well for Today’s Physician

How does a physician “retire well”?  That answer, unsurprisingly, has been changing over time. Historically,…
person looking at retirement savings plan
David Mandell

Boost Tax Deductions & Retirement Savings

A Cash Balance Plan is a Qualified Retirement Plan (QRP) that can provide physicians and…
tax form 1040 eggs in basket
Bob Peelman

Reduce Your Tax Liability with a Mega Backdoor Roth IRA

As recently as this week, there are tax proposals in Congress which, if passed, would…
Monthly Investment Commentary

Global Markets Rally Again: Third Quarter Key Takeaways

Despite its reputation as the worst seasonal period for stocks, global stock markets rallied again.…
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Doctors

Asset Protection for Doctors: 3 Effective Strategies

Doctors like yourself invest countless years and resources into education and training to provide exceptional…
portfolio chart
Jason O'Dell

Investment Alternatives to Reduce Portfolio Risk

Most investors have concerns about the global economy. We are almost a decade removed from…
tax word block
Articles

2017 Tax Cuts and Jobs Act

Congress enacted sweeping tax reform in December which has widespread effects on both individuals and…
advisor working on portfolio
David Mandell

Are You Taking Advantage of Two Everyday Tax-Favored Assets?

Like everyone we have ever worked with, you likely want to reduce your taxes as…